UK: call from the 'fraud team', a courier collects your card
A supposed bank or police officer reports suspicious payments. The money must move to a 'safe account' and a courier will collect your card. Both go straight to the criminals — documented cases exceed £11,000. Warning signs: No real bank ever collects cards from you; You are told to move money to a 'safe account'; You are told to stay on the line and not call anyone. What to do: Hang up, call back using the number on your card, block the card and report it to the police. Typical loss: £1,000–£30,000.